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23/06/2026 7:25 pm
TL;DR: Modernising dollar infrastructure, fraud in emerging markets, AML standards, data silos, Web3 compliance, BNPL risk, and the rising role of AI in payments were discussed in a Money20/20 USA podcast featuring operators from Standard Chartered, EBANX, ACAMS, Adyen, and Nubank, according to SumSub. The practical takeaway is that trust, identity, and financial-crime controls now have to move in step with growth.
NHIMG editorial — based on content published by Sumsub: When Growth Meets Guardrails at Money20/20 Part 2
Questions worth separating out
Q: How should financial institutions align fraud, AML, and IAM controls?
A: They should align them around the same identity and transaction evidence, then define shared escalation thresholds and ownership.
Q: Why do data silos weaken fraud and compliance programmes?
A: Data silos weaken these programmes because suspicious behaviour is usually distributed across onboarding, device, payment, and case-management systems.
Q: How can teams use AI in payments without losing control?
A: Teams should treat AI as a governed decision layer, not a shortcut around review.
Practitioner guidance
- Map trust decisions across the customer lifecycle Identify where onboarding, payment authorisation, fraud review, and AML escalation each make independent decisions about the same customer or transaction.
- Break down identity and transaction data silos Create a shared investigation view that links identity attributes, device signals, payment events, and case outcomes.
- Demand auditability for AI-assisted controls Require logged decision paths, clear escalation criteria, and reviewable evidence when AI contributes to fraud scoring or compliance triage.
What's in the full article
Sumsub's full podcast covers the operational detail this post intentionally leaves for the source:
- Operator-level discussion of modernising dollar infrastructure and the trust controls that support it.
- Practical perspectives on fraud in emerging markets, BNPL risk, and Web3 compliance from multiple practitioners.
- Direct commentary on how data silos affect AML standards and financial-crime response in real environments.
- Recorded discussion of AI's growing role in global payments and what that means for day-to-day risk operations.
👉 Listen to Sumsub's podcast on fraud, AML, and trust at Money20/20 →
Money20/20 trust, fraud, and compliance shifts: what teams should watch?
Explore further
25/06/2026 3:25 am
Trust programmes in payments are now lifecycle programmes, not point controls. The episode points to a broader shift: onboarding, payments, AML, and fraud review can no longer be treated as separate functions with separate truth sets. That fragmentation creates inconsistent risk outcomes even when each team believes it is operating correctly. The implication is that identity governance must follow the customer and transaction lifecycle end to end.
A few things that frame the scale:
- 72% of organisations have experienced or suspect they have experienced a breach of non-human identities, with 46% confirmed and 26% suspected, according to The 2024 ESG Report: Managing Non-Human Identities.
- That same report found that enterprises that have experienced a compromised NHI averaged 2.7 separate incidents in the past 12 months, which is why repeated identity failures should be treated as a programme issue, not isolated events.
A question worth separating out:
Q: What should leaders change when fraud risk and growth pressure rise together?
A: They should redesign trust controls so they scale with the business rather than sit beside it. That usually means simplifying handoffs, unifying evidence, and making risk decisions visible across teams. Growth and control do not have to conflict, but they do need the same operating model.
👉 Read our full editorial: Fraud and compliance pressure are reshaping trust at Money20/20
